BTW, re 'PIN' numbers..... (shouldn't really admit this, in the interests of security!) but anyway, all of my cards have the same pin, my DH's have the same as mine, our phones both have the same unlock code (you guessed it - same as the pin!). It's only marginally more secure than having to write various pins down, and carry them with the cards, as if not, I forget where I've put them .